Since it appears that you will place a 2 or 5 day hold, you have to give the first $100 by next day. You are only entitled to delay the entire amount of a check for an exception hold. The exception to that statement is when you place a large deposit exception hold, you have to give $100 next day, $4900 within the 2 or 5 day period and the entire amount over $5000 can be held for 7 or 11 days, business that is.